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Financing is the main function and product of Islamic banking, namely the distribution of funds aimed at helping those in need, and if managed properly, can contribute significantly to Islamic banking income. However, in their distribution, funds carry many risks due to the uncertain and diverse nature of humans. This risk is reflected in the existence of loans that face problems that reduce the profits or profitability of Islamic banks. The purpose of this study is to explain the effect of Financing, Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) on the profitability (ROA) of Bank Kaltimtara Syariah By including Financing, Non-Performing Financing (NPF) and Financing to Deposit Ratio (FDR) as the independent variable and profitability (ROA) as the dependent variable. This is a quantitative research with multiple linear regression analysis techniques. The population or research theme is the annual report of Bank Kaltimtara Syariah. A total of 9 samples were taken from the Bank Kaltimtara Syariah Quarterly Financial Report for the 2016-2018 period. Based on the test results, it is known that tcount = - 1.4 98 < t table = 1.8 3 3 Financing and NonPerforming Financing (NPF) both have no significant positive effect on Return On Assets (ROA). While the Financing to deposit Ratio (FDR) regression shows a significant influence on Profitability (ROA). The amount of tcount is 1.859 > ttable 1.833

Women have complicated bodies. Throughout their existence, they go through the anatomical, physiological, and reproductive development processes. From birth to adulthood, there occurs development, and as a woman, the body's organs develop flawlessly and entirely. In comparison to a male, a woman's body develops differently, especially in terms of the reproductive organs, genitalia, endocrine system, and skeleton. The fast-paced and practical lifestyle elements of today's metropolitan society have an impact on the food ingested, which is bad for the body's health. The majority of high-risk illnesses, including heart disease, breast cancer, cervical cancer, osteoporosis, autoimmune disease, stroke, depression, and others, affect women more than males. The Community Service Partners are the management of the Family Welfare Development Team (TP-PKK) in West Bungo Village, Bungo Regency. The majority of PKK administrators, besides their activities as housewives, also work in government, private and entrepreneurial institutions, where due to business, consumption patterns and types of food eaten are unhealthy, such as fast- food which can be bad for the health of the body. especially reproductive health. Therefore, the purpose of this activity is to provide training and skills for TP-PKK administrators in making traditional herbal drinks with raw materials from rhizome plants such as Ginger, Turmeric, Temu Lawak, Kencur, Galangal which are very useful in helping to maintain body and reproductive health. in productive Ages.

The Industrial Revolution 4.0, which coincided with the presence of the Covid-19 pandemic, demanded that the world of education implement a different system. Classroom learning that involves students directly is now starting to switch to online learning. One of the learning media used is the Kahoot application. Interactive quizzes in this application can be implemented on an ongoing basis, including in face-to-face learning after the pandemic. Unfortunately, not all educational institutions know about the existence and benefits of this application. Sungai Putih High School, Kampar Regency, which is our service partner, is one of them. This dedication to introducing interactive learning through online media has had satisfactory results. From 38 respondents covering all classes and teachers at the high school, 100% of respondents felt interested in this learning and 96% of respondents agreed that learning evaluation using Kahoot was felt to be more effective than tests in general. For the continuity of implementation, the service team provided a Kahoot Usage Guide book which was designed directly by the service team.

The role of the MSME sector is very important for the economic growth of a region. Where this sector reflects the local economy, a region and as a driving force for the regional economy. The existence of the Covid 19 pandemic has caused MSMEs actors to have new challenges and problems, regarding marketing in the form of digitalization. Therefore, a strategy is needed, which is able to answer these problems. This MSME Marketing Development Strategy is to see the types and characteristics of  MSMEs, potentials and problems as well as strategies for handling them. The case of this research is MSMEs Boyolali Regency. The results of this study are SWOT analysis, which requires MSME marketing activities based on MSME digitization through increased product marketing through Social Media and E-Commerce.

Love can be used as an answer to the question of human existence. So many philosophers from the west and east offer concepts about love, Erich Fromm is one of them who considers that love is an art. The purpose of this study is to classify five objects of love from Erich Fromm's thoughts in poems by W.S Rendra. Poetry was chosen as the object of research because poetry can be used as a means for someone to express love. This research method is a literature study as well as a literature review. The results of this study are five titles of poems that represent the five objects of love. First, object of brotherly love entitled "Aku Mendengar Suara" because this poem contains Rendra who loves his oppressed brothers. The object of maternal love titled "Ibunda" contains a mother's love that is like the earth that provides its fertility for her children to grow and sacrifices everything a mother has for her children, truly loving even though she does not get anything from the child. The object of erotic love with the title "Barangkali Karena Bulan" is about exclusive love to one person, namely the poet's love for a woman. Self-love with the poem titled "Orang Biasa" contains Rendra's love for himself. Last, the object of God's love titled "Tuhan, Aku Cinta Padamu" is about Rendra's desire to return to Him and achieve unification between the servant and his God.

Abstract: The number of lemang entrepreneurs typical food of Bolo Village is decreasing even from lemang entrepreneurs who are still in production, their sales volume is decreasing. The main factors that cause this condition are low business management skills, no touch of technology, unattractive product displays, dirty and dusty, unhygienic, no labels and packaging so that it has an impact on reducing people's buying interest. Another problem faced by partners is that the production of lemang does not last long, as well as the low ability of partners to make jam as a complementary product from lemang. The activity methods used in community service activities include assistance in the form of changing mindsets regarding business management, training, and practice, as well as tool design as well as design/brand and packaging development. At each stage of the activity an evaluation is carried out both process evaluation and outcome evaluation so that the output of the activity can be measured. The results of this activity: 1) there is a change in mindset regarding business management; 2) the innovation of Lemang products; and 3) the existence of a label/brand design and product packaging

The current business era is experiencing massive changes due to the uncertainty of industry fluctuations and tight competition, making businesses enter the VUCA era. This makes business activists required to adapt to circumstances that are prone to change (Volatility), the uncertainty of circumstances (Uncertainty), circumstances full of complexity (Complexity), and floating circumstances (Ambiguity). Therefore, innovation is needed so that business actors remain active in facing the challenges of the VUCA era. Digital transformation brings many changes in the industrial world. Financial Technology has the potential to play a role in increasing financial inclusion and Business Sustainability. This study aims to systematically highlight the business model of financial technology from the relevant literature. The methodology used in this research is the study of literature. The results showed that the existence of Financial Technology has a positive impact on efforts to increase financial inclusion and Business Sustainability in the VUCA Era, which can be seen from the projected growth of Financial Technology, which has increased significantly. This research is expected to provide a view of the business world in observing the adoption of Financial Technology.

ABSTRACT The rapid development of technology has a very large effect in various fields. One of them is in the field of buying and selling business, which is getting higher and higher competition between business actors. One of the strategies to increase sales is to implement a recommendation for goods, but from the various categories of goods in the store, there are products that are not in demand by customers, so that if left alone, the products that are not in demand will not sell well and will make the accumulation of goods in the store, in addition to that with the many categories, it makes some customers confused to choose products that suit their wishes buyer. Therefore, the author conducts an assessment first by conducting a literature study, which finally the purpose of this study is to make it easier for users and business owners to recommend goods in the store and determine the desired product by implementing a recommendation system on the Rameiki Mart Store website which is taken from the amount of data, this is also beneficial for store owners because the existence of this recommendation system can help as a means of product promotion , as well as in recommendations for the purchase of goods. In this study, the researcher created a recommendation system using the a priori algorithm method.

Football School (SSB) is a supporting facility for children who have potential in the field of soccer in order to improve their skills. Football is a large ball game played in teams with a team of 10 players and 1 goalkeeper. In this game, teamwork is an important value that must be possessed to achieve competitive victory. However, along with problems in the form of discrepancies in operational standardization in soccer schools, causing negative public perceptions of the existence of this school. Therefore, a research was conducted to build a decision-making model in determining the choice of soccer schools in accordance with legal standards for children, namely using the Analytical Hierarchy Process (AHP) method. The AHP method is one method that can solve a problem because there is a hierarchy where there are several important aspects, namely Objects, Criteria, Sub Criteria, and Alternatives. By combining data and knowledge, it can increase effectiveness in decision makers. It is hoped that in the future, this research can help the community to support their children in the field of soccer by determining the appropriate soccer school.

The COVID-19 pandemic had a significant impact on UMKM. Social distancing has changed consumer behavior from conventional to digital. UMKM Shapro Official is an original automotive t-shirt vendor that was established in 2017. Shapro Official has difficulty in introducing and marketing products with a clear target consumer and competitive price competition. Sales promotions have not been managed optimally and sales data management is still manual (notes). Owners also have difficulty monitoring sales reports in real time. Website created using CMS Wordpress to help Shapro Official difficulties. The system development method is Rapid Application Development (RAD). System analysis method using fishbone diagram and system modeling using Unified Modelling Language (UML). The results showed that the existence of a website can help the management to manage promotions, sales and sales reports. Having a website makes sales targets focus and increase.   

National identity is a sign or characteristic of a country that can distinguish its characteristics from other countries, because the identity of a country lies in the concept of the country itself. Etymologically, national identity comes from the words "identity" and "national". Identity comes from the word identity which means the existence of a character, trait, or quality related to an individual, group, or something that distinguishes it from others. And National comes from the word nation which means state. And every country is obliged to implement constitutional behavior in the life of the state. Because in general the constitution is the basic principle and law of a nation, state, or community group. Where that determines the power, duties of the government and guarantees certain rights for its citizens. Â

In the industrial sector, human resources is an important asset and element that serves as a non-material capital that can be realized into physical and non physical potential in realizing the existence of the organization. Protection of occupational safety and health is often ignored, especially by those who tend to seek profit only. If a worker has an accident or a work-related illness then the agency simply replaces it with a new worker. In order to provide protection for the workforce, an agency needs to pay attention to the safety and health of the workforce by implementing Occupational Safety and Health Management.  

Financial management ability in terms of financial planning is one of the abilities that must be possessed by Micro, Small and Medium Enterprises (MSMEs) by increasing their financial planning knowledge. The existence of good financial management capabilities can carry out effective, efficient, and useful financial planning, so that business actors are expected to increase the level of welfare in running their business. This community service activity is carried out with the aim that MSME actors have good financial planning knowledge. This community service activity uses the method of material presentation, discussion and question and answer. The result of this activity is that business actors can carry out financial planning on their business activities. By having good financial planning knowledge, business actors in Tiwulandu Village, Brebes are expected to be more advanced, smooth, and prosperous in running their businesses.

The use of sophisticated technology is very much needed by the company as a support for the success and success of a plan that the company wants. The financial report is an information medium that records, summarizes a company's activities and is used to report the company's state and position to interested parties, especially creditors, investors and the company's management itself. Financial ratio analysis helps determine whether the company's financial performance is good or not. Financial ratio analysis can be classified into various types, some of which are liquidity, solvency, activity, and profitability ratios. The financial management system at the food market eat and eat Paragon Mall still uses a simple and less effective system (Microsoft Excel) because it still uses excel formulas and logic if using the formula incorrectly will result in errors in recording financial statements. The method used really takes a long time so that it is often not timely and the way to analyze it is only with profit and loss and the profits are written in the table. The financial ratio method is the main tool for conducting financial analysis and has several uses. Financial ratios show a systematic relationship in the form of comparisons between estimates (posts) of financial statements. With the existence of a financial reporting system to analyze the health of the company, it can help determine the profit for each period, so that the structure of the company's financial health can provide clearer information.   Keywords: Financial Statements, Financial Ratios, Performance  

Nowadays there are many visual media or other media that influence children's imagination. Which causes a decrease in children's imagination. The child's imagination begins to decline, this is due to the existence of visual media that makes it easier for someone to tell a story through several pictures, or to show the events of a story directly. This study aims to develop children's imagination of stories read, heard, or stories told by someone, and direct them in a positive direction, not in a negative direction. The research method used is the library research method or library research. The results obtained from this study are that a child's imagination can be developed using the story method with a variety of structured stories, using language that is easy to understand, attractive illustrations and designed in such a way. And there are several things that need attention in the story so that it is in a positive direction and not in a negative direction. In developing a child's imagination, it is necessary to pay attention to several things related to the child's imagination, such as the characteristics of the child and some stories that do not contain elements of a sad story.

The learning process requires the existence of media to encourage the effectiveness and efficiency of learning activities. This study aims to describe the thematic learning process with a scientific approach assisted by digital media which was carried out in class II Bandar 3 elementary school. And to find out what digital media are used and what obstacles are experienced during the learning process. Specifically, this research uses a qualitative approach with the type of case study research method. Based on the results of the study, the learning process for class II Bandar 3 elementary school Pacitan was carried out in three stages, namely the planning stage was carried out by the teacher by matching and seeing the lesson plans, the implementation stage in which the teacher carried out explanation activities, asked questions, and gave assignments. While the teacher assessment stage assesses student activities from the aspects of attitudes, knowledge and skills.

Technology developments in the era of the industrial revolution 4.0 provide many opportunities to improve supply chain performance and performance. The existence of the waste processing industry as a business has prospects for development, given the large amount of waste generated by the community and the need for several processed products. PT A reduced the amount of garbage that accumulates in the final disposal site (TPA) by reprocessing the waste produced by the community. The existence of waste banks, government agencies, hotels, zoos, and Islamic boarding schools is one of the sources of waste that is processed for waste products. This paper seeks to develop the concept of a digital supply chain by adopting the supply chain model run by PT A. The initial identification presented in this paper can result in several technology identifications that need to be prioritized in implementing relevant technologies in the industry. The expected impact of this implementation is an increase in supply chain performance

This research is motivated by the rise of drug abuse cases, especially in Pekanbaru City which can damage themselves and others. The increasing number of drug abuse cases has become a special concern for the Government and also the people in Pekanbaru City. The existence of a strategy designed by the Pekanbaru City National Narcotics Agency (BNNK) to tackle drug abuse is expected to be able to overcome drug problems in accordance with the provisions of Law No. 35 of 2009 concerning Narcotics. This study uses qualitative research methods with data collection techniques through interviews and documentation. This study aims to obtain data on the strategy for overcoming drug abuse by the Pekanbaru City National Narcotics Agency (BNNK) and the factors that inhibit it. The results of this study indicate that the drug abuse prevention strategy designed by the Pekanbaru City National Narcotics Agency (BNNK) has not fully worked as expected, so that drug abuse cases have not been significantly reduced. This is due to the inhibiting factors, namely the lack of availability of human resources and limited supporting tools.

This study reveals how the relationship between the establishment of the monument and the traditional belief system of the Toba Batak people who still believe in the existence of the spirits of their ancestors. The actualization of this belief is manifested in the construction of an ancestral monument which is considered an embodiment of respect for the descendants of the clan that founded it. To reveal these data, in this study the authors used qualitative research. The data in the field were obtained through participatory observation techniques, interviews, and literature studies. The purpose of this study was to reveal the background of the establishment of monuments in clan groups in Balige District, Toba Samosir Regency which represents the function and meaning of the erection of clan monuments in Balige District. Toba Samosir Regency also describes the organization and implementation of the case for the establishment of the Siraja Nababat, Manurung, Nommensen, Siagian, Sonakmalela and Sisimangaraja XII monuments in and analyzes the conception of the construction of the monument in the Toba Batak community. based on the conception of traditional beliefs that believe in the existence of their ancestral spirits in people's lives. The worship of ancestral spirits is manifested in the construction of monuments. This research was conducted in the Tourism Area in the City of Balige and Porsea – North Sumatra. The aims of this study include: (1) As a deeper learning material about the reasons why Batak Culture built the Tugu, and (2) To explore and promote the richness of culture, tradition, history in the Batak tribe. The results showed that (1) all visitors who came were very enthusiastic about the history of the construction of each existing monument, (2) the role of both local and foreign tourists had a positive impact on the community, namely the development of local community knowledge systems, the emergence of new livelihoods, getting to know language diversity, technological progress, the formation of social organizations, the emergence of the commercialization of hospitality, the shift in the value of solidarity in agriculture. Cultural tourism is a travel activity carried out by certain parties (a person or group of people) by visiting certain places with the aim of learning about cultural attractions or taking advantage of the cultural potential of the places visited.

This research is motivated by the existence of one marketplace application. This study discusses the style of language in featured advertisements in the application. Advertising language style has the ability to convince readers by playing words or phrases so that readers are influenced to use the product. The purpose of this study is to analyze and describe the style of advertising language in the shopee application. The method used is descriptive qualitative method. The data in this study is the style of advertising language and the source of the data in the study is advertisements for shopee features that appear on youtube and television. The data collection technique in this study is the method of listening. Based on the results of the discussion on the analysis of the use of advertising language style on YouTube, it can be concluded that the Shopee application uses persuasive language style in the advertisements that are displayed, namely the use of repetition figurehead.